This is what i have come up with for mine...any comments or suggestions?

I am happy to announce that as of 11.1.9 I will be offering lay-a-way on my instock items =) 10% is required down and weekly or bi-weekly payment to follow.

Terms

* 10% non-refundable payment is required at the time of purchase.
* Only available to in-stock items at the moment, sorry.
* When checking out in my store use the code "LAW10%" This will take off the 90% from your total
* Payment can be made weekly or bi weekly. Weekly payment are at least 10% and Bi-weekly payment are at least 20% (those are the minimum due. You are welcome to pay more if you like.)
* If you would like your order by Christmas, full payment must be received by 12.15.9 so that I can ship them to get to you in time.